Creative Mortgage Solutions
For Self-Employed Borrowers and Real Estate Investors
From Florida to California, we have alternative lending options
for self-employed and investor borrowers that requires little to no income documentation
Stable Income? Check.
As a W-2 employee, your consistent paychecks and verifiable employment make qualifying for a mortgage faster and easier. Discover loan options designed for salaried professionals today!
Financing That Broadens Your Horizon
With over 20 years of mortgage experience, and countless scenarios, our one goal is to provide smarter financing solutions, regardless
of your real estate experience
30 Year Fixed Dscr Loan Application Fresno
With over over two decades of proven success of experience behind it, Horizon's experienced team stands out as far beyond a traditional lender - helping clients navigate the lending process with confidence, ready to serve unique financial situations.
Whether your income doesn't fit the standard mold, a buyer focused on real estate wealth, purchasing a luxury property, or interested in alternative refinance plans, the company provides unique lending programs like non-traditional loans, large-balance mortgage programs, and special assistance for first-time buyers. Their dedication to custom-fit solutions - with options for asset-based lending or bank-statement verification and financing options up to 100% - positions them as innovators in home lending.
Horizon emphasizes that the "method" of borrowing is just as important as the loan itself. Their website outlines practical, forward-thinking strategies - refinancing options to lower debt costs, mentorship for first-time homeowners, and VA and USDA lending options - while stressing that borrower education and responsiveness are core to their service.
Featuring a diverse range of financing choices and a client-friendly digital experience equipped with everything from pricing tools to closing checklists, they're planting themselves as the go-to for those who want more clarity and control.
Phone: 972-347-9224
DSCR (Debt Service Coverage Ratio)
Maximize your portfolio potential with Non-QM loans designed for first time or savvy investors; no tax returns, just smart financing.
Self Employed
Our Self-Employed Non-QM Loans are designed for entrepreneurs, freelancers, and business owners who don’t fit the traditional lending mold. Qualify using bank statements, 1099s, a P&L or asset-based income. No Tax Returns or W2’s Required! 1 Year Self-Employed History Allowed!
VA
With a VA home loan, eligible veterans, active-duty service members, and surviving spouses can buy or refinance with zero down payment, no PMI, and competitive interest rates. Whether you’re purchasing your first home or refinancing, we make the process simple, fast, and tailored to your service.
Jumbo Loans
Unlock high-value properties with creative jumbo loan solutions up to $5 million; perfect for self-employed borrowers, luxury homebuyers, and investors with unique income streams. We go beyond the traditional box to deliver flexible financing that fits your vision.
First Time Buyer
Whether you’re eyeing an FHA loan with low down payment options or a Conventional loan with competitive rates, we help first-time home buyers navigate the path to homeownership with confidence. Get expert guidance, flexible financing, and personalized support every step of the way.
Cash-Out Refinance
Consolidate high-interest debt into one low monthly payment; using the equity you’ve already built. Pay off credit cards, personal loans, or medical bills, update your home, and regain control of your finances with a streamlined, cost-effective solution backed by competitive conventional rates.
We can’t thank Scott Simmons enough for all his help during both our original purchase of our home, as well as our recent refinancing. Scott was able to get us an incredible rate and was extremely detailed and explanatory the entire way. We, of course, had rookie questions being first-time home buyers, but he made himself available to answer and explain any of our questions and made helpful suggestions, as well as great advice given our individual situation. I highly recommend Scott for your mortgage needs!
Sarah Lati
Have always had a great experience with Horizon Lending Services. Scott and his team are the BEST! They helped us in 2021 with a refinance of our first home. Then this year they helped us with getting a loan for our property! Scott was patient and always willing to go over everything multiple times to ensure we understood everything. Kept us updated on status’ as well as just to check in.
Samantha Mellott
Just recently had the experience of working with Marcus on a loan for an investment property. Not only did he help me find the lowest cost strategy to purchase the property, he kept me updated, helped jumped through the various hurdles that came up to make sure we didn’t have any delays and the purchase was as smooth as possible. Marcus is an incredible lender and is my go to for any and all loan questions or needs
Richard Berman
Get In Touch
Send a Email
Fill our the form or shoot us a email at Loans@HorizonLendingServices.com
